Rebirth of the Financial Overlord

Floating interest rates again?

Robert John was a little dazed.

The operating income of commercial banks is mainly used to handle lending, settlement business and leasing, trust investment, securities trading, real estate development, gold and silver, foreign exchange and securities trading and other businesses to obtain interest, earning, interest rate subsidy, handling fee, price difference and other income .

It can be said that the most important operating income of a commercial bank is to absorb low interest rates and lend to high interest rates to earn the spread.

If the interest rate in Ningrad is below that, if it rises again, it will be difficult for the bank to make any further gains.

Business loans for enterprises are at a half-stop state, and the spread has been only maintained at about three points. If interest rates rise and then hire high-quality service personnel to seize the market, the banks will definitely lose money if the cost is added.

What's the point of seizing a long-term loss-making market?

"Boss, the Soviet Union's economy is almost at a semi-stasis. The money we have absorbed is difficult to borrow. If the cost increases again, I am afraid that we will lose money."

What a problem this is.

Shen Jiannan raised his eyebrows and hit the table.

"Hi. Old turnip. Listen, we don't need to put money out to make profit margins, we just need to absorb enough deposits."

"..."

Robert John was silent for a moment.

The banker's keenness made him realize that Shen Jiannan's purpose is not simple.

"Boss. Are you in the next big game."

"Congratulations on your answer. However, there is no reward yet. If you do beautifully, I think, you understand."

"Praise God!"

"Ok?"

"Praise the boss for his kindness."

"The tank has it."

"But boss, there is one thing I have to remind you, if the deposits absorbed don't have enough income to pay interest, maybe we will soon go bankrupt."

In theory, Robert John is right.

But...

Shen Jiannan had to explain again that the old turnip was in charge of the Soviet banking industry. He was bound to participate in these matters.

"Turnip head. You can turn your turnip head. For example, we absorbed deposits of depositor a at an interest rate of 6%, and then used this deposit to pay depositor B's interest, and then deposits of depositor B to pay c Depositor's interest, again c depositor's interest pays D's depositor's interest, what do you think of this idea?"

"..."

Holding the phone, Robert John was dumbfounded.

Isn't this a famous Ponzi scheme?

Coincidentally, the address of this famous scam is in Boston.

In 1919, Italian Charles Ponzi arrived in Boston and devised an investment plan to sell postal notes to the American public.

Since the First World War has just ended and the world economic system is in chaos, Ponzi uses this chaos.

He claimed that he could make money by buying a certain postal bill from Europe and selling it to the United States. Due to factors such as policies and exchange rates between countries, it is really difficult for ordinary people to figure out many economic behaviors.

In fact, anyone with a little financial knowledge will point out that it is impossible to make money in this way.

But on the one hand, Ponzi is playing mystery in finance, on the other hand, he set up a huge bait. He claimed that all investments can get 40% return within three months.

As a result, a large number of "investors" followed up, allowing Charles Ponzi to easily amass tens of millions of dollars in wealth.

As a banker, Robert John is naturally familiar with this matter, and he can't help shivering when he recollects what Shen Jiannan said.

boss.

Do you really want to sell me?

"Boss, isn't this tearing down the east wall to make up the west wall?"

"Yes. It's Charles Pound's set. Of course, our purpose is not to squander, we just want to save the overwhelmed economy of the Soviet Union."

"..."

A ghost will believe it.

Robert John murmured to himself.

However, he also has to admit that this trick can easily crush the Soviet banking industry and other foreign banks, allowing Nanbo to quickly absorb large deposits in Leningrad.

"Don't worry, old turnip, I won't sell you. You know, I'm the least ashamed of the kind of guy who can sell anything if he makes money."

"Boss. Do you believe this?"

"Of course. God can testify!"

"..."

God is reliable, it is better to believe that the sow will climb the tree.

Hanging up the phone, Robert John could only vomit again and again, but he had to admit that there were no loopholes in this plan.

"What a devilish guy!"

There was a hint of white in the sky, and the night of Leningrad passed. As residents took to the streets, someone suddenly noticed that there was a long line at the gate of a newly opened bank on East Street.

People always like to join in the fun.

In the whole world, people in all countries have the same virtue.

Looking at the tens of meters long team, Ansuo Eva Shuruoshikina, who was going to the black market to buy groceries, was a little curious, and she couldn't help but leaned in with the basket.

"Hi. Boy, what are you doing in line here."

"Oh. This bank is newly opened. It is said that if you reach a deposit of 50,000 rubles, you can apply for VIP customers in this bank, have dedicated service, and will provide a free cup of coffee."

"Also. I heard that the interest rate is also 3% higher than the national benchmark interest rate."

Ansor Ava Shurohiki's dim eyes were filled with shock.

Three percent, ten thousand yuan is three hundred yuan.

"Could it be a scam? Do you just believe their promise?"

"It won't be a scam. A few days ago, when the bank opened, Mr. Deputy Mayor and the Deputy Governor of the National Bank both came to participate. I also heard that it is very likely that this bank also has their shares."

"These **** bureaucrats."

"..."

Ansuo Eva Shuruoheji cursed, but it is impossible not to be moved.

Recently, due to the continuous shortage of supplies in state-owned stores, prices on the black market have been rising, and everyone can feel the pressure of life.

Ten thousand yuan can make three hundred yuan more.

What concept?

One U.S. dollar can be exchanged for about four to five rubles in the black market, and twenty rubles, you can buy twice as high-purity yogurt.

In other words, this is at least sixty dollars.

Ansuo Eva Shuruoshiki is a university teacher with a deposit of more than 50,000 rubles.

Although relative to an ordinary family, her life pressure is not great, but whoever doesn't want their money to be more able to preserve the value, who doesn't want to get more interest.

Fifty thousand rubles, one thousand and five hundred rubles a year.

The heads were moving, and as the crowd moved slowly, Ansuo Eva Shuruoheji couldn't help joining the queue.

Unfortunately, she didn't know that the people who lined up with her could get 50 rubles of employment fee from Nanbo Bank every day. The task was to line up and introduce the bank.

After about thirty minutes, Ansuo Eva Shuruoheki finally entered the bank lobby.

As soon as she walked in, a beautifully dressed girl greeted her with a smile.

The girl's smile is very kind and makes people feel like spring breeze. With her slightly bent waist, she can't help but feel respect.

"Dear lady, hello! What kind of business do I need to handle?"

"I want to handle deposit business, can you introduce me to it?"

"Of course. This is our responsibility. In our bank, we handle large-scale fixed deposits for six months with an annualized interest rate of 9%, and large-term deposits for one-year period with an annualized interest rate of 12%."

"..."

Under the introduction of the female bank staff, Ansuo Ava Shuruohiji's old face almost loosened.

The annualized interest rate of 12% for the one-year term, and the interest of that year plus the retirement pension, is enough for her to lead a stable and stable life.

But then, Ansuo Eva Shuruoheji thought of another question.

"Are there any restrictions on withdrawals here?"

"There are no restrictions. If you are a current deposit, you can withdraw it all at any time."

"What about large-term deposits?"

"Large-term deposits can also be withdrawn at any time. However, according to the terms of the contract, large-term withdrawals need to be calculated at the current interest rate."

"Oh. Understandable. I want to deposit fifty thousand rubles, can you help me?"

The smile on the bank clerk's face became purer, and she leaned slightly and made a gesture of please.

"Of course. Honorable lady, please come with me."

Soon, the two of them arrived in an elegant room.

Not long after Anso Ava Shuruhiki sat down, the bank clerk came over with a cup of steaming coffee.

"Madam. Your coffee."

The aromatic coffee is very pure.

Take a sip in the morning and immediately feel the energy replenishment.

Ansuo Eva Shuruoheji's face was filled with a strange brilliance. Every day when he went to the National Bank for business, the **** staff always had a black face, which made people feel particularly bad.

It's different here.

It is simply a servant serving God.

Savoring the fragrant free coffee in his mouth, Ansuo Eva Shuruoheji made up his mind and never went to the National Bank again.

United States, Boston.

The afternoon sun shines into the room from the windowsill, and the bright light illuminates everything in the house.

The indoor environment is gorgeous and elegant, except for the singing of insects and birds, no noise can be heard from the one-mile house.

In the living room, the white leather sofa reflects bright colors in the light, and the bright yellow oak floor reflects soft light in the sun.

Song Xiaodan's legs hung on Shen Jiannan's arms, his slender arms embraced his neck affectionately, and his star eyes were full of thick mist and attachment.

Parting is always sad.

After staying in Boston for a long time, Shen Jiannan is about to leave.

For Song Xiaodan, the sorrow and sorrow almost penetrated into her bone marrow, making her unbearable.

"Um...Um..."

The starry eyes kept choking like mist, Song Xiaodan hugged Shen Jiannan tightly, as if he wanted to hug this most precious time so that it could not slip away.

The tender love deep in the bones is enough to melt any steel.

Shen Jiannan had no choice but to hold Song Xiaodan constantly to comfort him. If he could, he also wanted to keep holding this woman who gave everything to him, holding her in his arms forever.

Unfortunately ~www.novelmtl.com~ Shen Jiannan's soothing effect is not good.

The more he comforted him, the more Song Xiaodan couldn't control his feelings, his cries were like songs, and his cheeks were already red with tears. The deep grievances and fiery tenderness made the heart tremble.

"Hey loudly--"

For a long time, maybe tired of crying.

Song Xiaodan suppressed his crying and choked silently, her petite body trembling again and again.

Shen Jiannan didn't know what to say.

Only deep feelings of guilt impacted again and again...

"Jiannan..."

"..."

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